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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $49,303 | $138,075-64.3% | $123,552-60.1% | $135,379-63.6% |
| Participation rate | 56.3% | 84.7%-28.5pp | 82.3%-26.0pp | 82.6%-26.4pp |
| Annual return | -31.14% | 153.70%-184.8pp | 119.20%-150.3pp | 519.79%-550.9pp |
| Employer contribution / active EE | $1,397 | $5,152-72.9% | $4,628-69.8% | $4,779-70.8% |
| Participant deferral / active EE | $3,438 | $6,800-49.4% | $6,426-46.5% | $5,609-38.7% |
| Admin fee / account holder | $8,668 | $10,917-20.6% | $9,285-6.6% | $10,828-19.9% |